but we paid taxes on $20k of gains in our IRAs to access backdoor Roths when we were in our mid 30s and have found it very worthwhile. opening up 35 years of tax free forever contributions was worth the small tax hit at the time.

So i'm curious what Bogleheads make of this article: https://www.bloomberg.com/news/articles/2018-01-29/these-bond-bulls-say-they-ll-have-last-laugh-as-u-s-yields-soar After all, nothing in their long-term outlook has changed: Inflation is still subdued, consumers have limited capacity to propel ec...

Shop around and see what you can get. Amica always has one of the highest satisfaction ratings for claims so after you have price quotes, you can decide how much your satisfaction is worth. In the end, you’re part of a pool. Your FICO, claims history, etc., matter - but so do they matter the claims ...

Thanks for all the calculation confirmations. In summary, if one were to work an additional five years at $50,000 annually and then live 20 years in retirement after full retirement age, they would add $21,420 in total to their SS retirement benefits received. Everyone has their own way but to me, ...

Shiller's CAPE was first published in 1988. The idea was that higher CAPE values had historically led to lower ( but never implied negative ) returns for the following ten year period. Now let's look at the 26 year period from 1992-2017. Through this entire period, with only a brief exception in 20...

Pe10 reached an all time high. Stocks then had one of their worst 10+ periods on record. How is that hindsight? A prediction, even with a confidence interval, is the very opposite of hindsight. And look back at the markets after January 2000. They fell before 9/11, fell more after the attacks, then...

Pe10 reached an all time high. Stocks then had one of their worst 10+ periods on record. How is that hindsight? A prediction, even with a confidence interval, is the very opposite of hindsight. And look back at the markets after January 2000. They fell before 9/11, fell more after the attacks, then ...

Here we are at the weekend. All prices posted. I did an overall view of my assets. I am down $2286 from my end of the year figures. Wanted to see if I was maintaining over the 2 comma club which I had just entered in October or if I was backsliding. As it sits now, we have all lost about 6 weeks on...

Here we are at the weekend. All prices posted. I did an overall view of my assets. I am down $2286 from my end of the year figures. Wanted to see if I was maintaining over the 2 comma club which I had just entered in October or if I was backsliding. As it sits now, we have all lost about 6 weeks on...

Well I don't feel as if I'm timing anything just had a bit of extra cash, more than usual because I'm contributing 2018 contributions. Do you guys all invest $5500 into whatever on the first trading day of the year in your Roth's, and if not, its called market timing? if you have the cash but don’t...

https://www.gurufocus.com/shiller-PE.php Shiller PE is currently at 31 to 32. According to Guru focus, this suggests that stock returns will be around negative 2 to 3 percent over the next 8 years. How seriously do people take Shiller PE, and what it implies about future returns? Why? :happy People...

Shiller's CAPE was first published in 1988. The idea was that higher CAPE values had historically led to lower ( but never implied negative ) returns for the following ten year period. Why couldn't implied returns be negative over a 10 year period (or 8 year period) if CAPE got high enough? Presuma...

I don't think a 10% decline is at all a test of one's risk tolerance. Especially when the decline occurs in about eight trading days. Long declines in real terms over many years are the real test of fortitude and we haven't had any of those for a decade. I'd stick with your current AA. If stocks fal...

Should you sell your investments when they start dropping? When should you invest during this market correction? I don't see why not sell now and wait for the market to drop more and then buy them again. Will the market go up as fast as it is going down? (I am kind of playing devil's advocate here)...

Should you sell your investments when they start dropping? When should you invest during this market correction? I don't see why not sell now and wait for the market to drop more and then buy them again. Will the market go up as fast as it is going down? (I am kind of playing devil's advocate here)...

Between 1996 and 2009, the stock market was exactly flat, and had two major crashes to get there. From 1996-2008, the annualized return of TSM was 4.75% nominal, 2.25% real. That's not "exactly flat." It probably would be if you were only looking at price, but that would be pointless. I absolutely ...

Between 1996 and 2009, the stock market was exactly flat, and had two major crashes to get there. From 1996-2008, the annualized return of TSM was 4.75% nominal, 2.25% real. That's not "exactly flat." It probably would be if you were only looking at price, but that would be pointless. I absolutely ...

Between 1996 and 2009, the stock market was exactly flat, and had two major crashes to get there. Really hard to see how his prediction was wrong. Cash would have earned the same, and with no volatility. Cherry picking the exact bottom seems odd- you could just as easily talk about 2008, or 2006 if...

Shiller's book Irrational Exuberance came out in 1996. He was predicting a crash or at least implying that prices were too high (or earnings didn't justify price, which was the case for internet stocks that had no earnings). After his book came out the market gained 100% over the next three years 1...

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide. I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance. Yeah, this is my first correction, too, and...

the local newspaper showing "Dow plunges 501 points" or whatever it was. Why does the media continue to speak in points instead of percentage change? I'm looking at the S&P 500 down > 600 points today and no one cares because it's about 2.5% but this evening we will probably hear in the news DOW PL...

I remember this day very well. My mom picked me up from football practice and we heard the closing report on the news on the drive home. I was only 13 but already very interested in the financial markets, thanks to my dad (we used to watch Wall Street Week with Louis Rukeyser every Friday night). I ...

That has been offered at some places where my children have enrolled in activities. I have not gone for it because my kids interests might change before the 6 months or year is up, and then we'd probably be out the money. Or the place might go out of business. Too much risk for too little reward. I...

Agreed, I looked at a dually with 7000 lb of payload but passed because of width and handling. The modern SRWs have plenty of payload for a basic single slide TC. these TCs all have powered jacks so taking them off and on is pretty easy.

As Sandtrap and others have mentioned, B's usually have low clearance. No problem on roads, but my brother sold his after 6 months because it couldn't handle the back roads they like to use to get to their favorite camping spots. They were convinced after a trip last summer to Glacier and Banff and...

If you are otherwise very happy then moving purely for financial reasons is questionable. We moved because we also couldn't stand the traffic/crowds, not just in the city but trying to go anywhere for a weekend, to go hiking, to get a campground reservation, etc.

If you need a new roof in 5 years, will the solar-company reinstall the panels? How expensive is that? They recommend you have ten years of usable life left on your roof before they install. My roof is a fifty year roof, installed ten years ago, and cleaned regularly, so it’s not an issue for us, b...

People need to stop wishing for a crash. At least out loud. Even if YOU don't get hurt, many people will. I've been thinking the exact same thing when I've been reading this thread for the past week. EXACTLY. Some of us are literally on the verge of retirement. Others are IN retirement. People like...

This was so very much overdo. Markets don't go up forever. I'll watch CNBC tonight for fun and watch all the clowns lie and say they told everyone to sell last week. This is a pretty broad sell off, I wonder if the market will ever recover to the highs in January 2018 in the next several years. I t...

Wikipedia defines "equanimity" as "a state of psychological stability and composure which is undisturbed by experience of or exposure to emotions, pain, or other phenomena that may cause others to lose the balance of their mind." You will experience equanimity when your portfolio is evenly balanced...

Average electric usage: 35 kWh per month per day? (my solar system one state south of you produced 21.8 kWh just today and the day isn't over) Yes, sorry. Per day. Fixed that. That's pretty good Bobby! How many square feet of panels is that nowadays? update overall. Got bids for 3 companies and ult...

I just interviewed a local trust company which I’m considering using. They specialize in trusts between $3 million and $10 million which fits our needs. They charge 1% for the first $3 million and 0.8% above that. This fee is all in and includes trust services as well as investment management and th...

We all know the importance of being a discipline investor but what are the tricks you use to stay discipline. Because of my age and length of time I have before retirement my portfolio consists of Index funds. I have 75% in VTSAX, 20% in VGTSX and 5% in VEMIX. But from time to time I find myself wa...

The only advantage of the 529 is the 'saved' state income tax on that portion of the contribution - however, as a consequence you can not use this money freely and 'only' for educational expenses OR pay an extra panelty AND taxes. I would be hesitant to dump too much money in such an account beyond...